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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $276,841 | $160,070+73.0% | $147,117+88.2% | $145,897+89.8% |
| Participation rate | 37.5% | 84.0%-46.5pp | 82.2%-44.7pp | 80.3%-42.8pp |
| Annual return | 2.50% | 98.69%-96.2pp | 420.54%-418.0pp | 552.29%-549.8pp |
| Employer contribution / active EE | $3,925 | $5,285-25.7% | $4,932-20.4% | $4,663-15.8% |
| Participant deferral / active EE | $8,380 | $8,419-0.5% | $8,065+3.9% | $6,689+25.3% |
| Admin fee / account holder | $5,098 | $15,035-66.1% | $12,993-60.8% | $13,390-61.9% |